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ByMike Gracz
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In this blog, we will cover and discuss VA loan limits on how much home you can buy with a VA loan. VA loans no longer have maximum VA loan limits. Before 2010, VA loan limits used to depend on where the property is located and the type of property the borrower is financing. In…
ByMike Gracz
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In this article, we will cover and discuss homes for heroes mortgage for firefighters and police officers. Gustan Cho Associates are excited to roll out our participation in the Homes For Heroes Real Estate Network. This Network is consisting of Realtors, loan officers, title companies, and inspectors to create discounts for the heroes that make…
ByMike Gracz
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In this blog, we will cover and discuss VA New Construction to Permanent One-Time Close Mortgages. VA New Construction To Permanent Guidelines at Gustan Cho Associates empowered by NEXA Mortgage, LLC now allows home buyers to purchase a VA New Construction home on VA Loans. We will finance the lot, construction costs, and the end…
ByMike Gracz
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In this blog, we will cover and discuss buying condominium versus single-family homes. Are you looking to buy a condo? Condominiums are becoming increasingly popular today than ever before due to many reasons Many seniors who own single-family homes are downsizing to condominiums due to maintenance issues. Millennial homebuyers are finding more interest in buying…
ByMike Gracz
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In this blog, we will discuss and cover choosing the right neighborhood when buying a home. Choosing The Right Neighborhood: How I Ended Up In Hampshire, ILLINOIS. When I meet up with friends who I haven’t seen in a while or meet someone new and they ask where I am living, I respond with “Hampshire”….
ByMike Gracz
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What Are Refinancing Community Property States Mortgage Guidelines? Refinancing in community property states requires non-borrowers debts to be included on FHA loans. Conventional loans do not require non-borrowers debts to be included in the debt to income ratio calculations.
ByMike Gracz
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In this article, we will cover and discuss education around the mortgage industry and lending guidelines. Good Evening to each and every one of you! Man oh man has this week been truly a fantastic one. I was able to catch up with some friends and family members as I mentioned in my previous blog,…
ByMike Gracz
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In this blog, we will cover and discuss necessary ending giving loan officers strength. Good Morning and Happy Saturday World, I hope all of you are having an amazing weekend thus far. Me, I’ve had a pretty amazing weekend. I had a chance to really sit back and analyze, think about, and dissect my life…
ByMike Gracz
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Gustan Cho Associates created this blog and guide on mortgage guidelines 101 for borrowers and new loan officers. The mortgage business can be tricky and overwhelming not just for borrowers but also for new loan officers. We have written this BLOG on Mortgage Guidelines 101 not just for borrowers but also for loan officers in…
ByMike Gracz
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Gustan Cho Associates are always expanding the mortgage programs we offer to our clients such as our new all-in-one mortgage loan program. We are happy to announce the rollout of a brand-new mortgage loan that is unlike any product we have offered in the past. In this blog, we will detail our newest program available…
ByMike Gracz
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The major mortgage agencies like HUD, the parent of the Federal Housing Administration (FHA), Fannie Mae, and Freddie Mac look at thousands of data points to create new loan programs available to homebuyers (and current owners looking for a refinance transaction). One of the main data points they have looked at lately is, who are…
ByMike Gracz
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In this blog, we will discuss and cover how home prices skyrocket to record highs pricng homebuyers out of the housing market. If you are in the market to buy a home or already in your home, you probably know home values are sky-high right now. In this blog, we will detail the driving factors…
ByMike Gracz
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In this blog, we will discuss and cover jumbo loans with low down payment and bad credit on home purchases. Jumbo loans with low down payment and bad credit are starting to make a comeback across the United States. Since these are not agency loans, requirements and guidelines vary from lender to lender. An agency…
ByMike Gracz
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Is Now A Good Time For Buying A House With Rising Mortgage Rates? Gustan Cho Associates have been following the mortgage market closely. There has been quite a bit of news surrounding the key financial sectors of the United States economy including the housing market in recent weeks. Since the housing market is a major…
ByMike Gracz
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Virginia VA Loan Requirements has the most lenient mortgage guidelines versus any other loan program in the nation. VA loans is the mortgage loan of choice but is only limited to active and/or retired members of the U.S. Military with a valid certificate of eligibility. There is no down payment requirement and no annual mortgage…
ByMike Gracz
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In this blog, we will cover and discuss Fannie Mae Conventional loan limits on one to four-unit properties. The FHFA increased conventional loan limits for six years in a row due to increasing home prices so homebuyers are not priced out of the housing market. As we approach the end of the year, the Federal…
ByMike Gracz
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Gustan Cho Associates work with many different families in all different areas of the country. But our clients commonly ask similar questions. In this blog, we will detail some of the most common questions we receive. We will also discuss how to apply for a mortgage with our highly skilled team. If you are a…
ByMike Gracz
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This Article Is About The Impact Credit Scores Has On Down Payment On Home Purchase: If you are in the market to buy or refinance a home, you know the importance of your credit score. Gustan Cho Associates are experts in all areas of mortgage lending and cannot stress the importance of credit score enough….
ByMike Gracz
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This Article Is About NON-QM Home Loan Guidelines For Borrowers With Bad Credit NON-QM Home Loan Guidelines And How It Benefits Borrowers Who Do Not Qualify For Traditional Mortgages: We have all heard the stories of the last-second mortgage denial nightmare. In today’s highly regulated mortgage industry this seems to be a common trend. With…
ByMike Gracz
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This article is about building credit with timely housing payments. One of the strongest credit tradelines consumers can have is by building credit with on-time housing payments. Most landlords do not report rental payments to the credit bureaus. However, there is a way of reporting on-time timely monthly payments to all three credit reporting agencies….
ByMike Gracz
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This Article Is About Recommended Lender By Realtors Due To Its No Lender Overlays Policy In this article, we will be covering and discussing the recommended lender by realtors and why real estate agents loves the team at Gustan Cho Associates. If you are a real estate professional, you understand how competitive and cutthroat this…
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